The Kindness Quotient

Kathleen Fifield

We all strive to teach our children to be empathetic, ethical people. But new research points to a troubling development: These traits aren’t sticking as they grow up. Here’s what really works in creating more caring kids.

I’m not sure when the idea of “Girl Club” took root in my 4-year-old daughter Audrey’s mind, but planning it has been keeping her mighty busy. Getting ready for the highly anticipated event entails piling every one of her princess costumes into a giant heap, getting her big brother to pencil “Keep Out” signs and tape them to her door, and trying to enlist me to purchase a wide array of snacks.

The prep work also involves re-evaluating the guest list— repeatedly. This would be fine except that, this being “Girl Club” and all, the no-boys policy applies to an especially sweet and wide-eyed friend in her preschool class. “He just doesn’t get it,” she told me in exasperation from her car seat as I drove her home one recent afternoon. So she helped him out: “I told him, Beckett, you’ll either get an invitation or you won’t. If you get one, you’re invited. If you don’t get one, you’re not invited.”

That led to some discussion, in what I struggled to put into preschool terms, about the problem with exclusionary clubs in general. But it also made me wonder: How do you know, when you think you’re raising a loving, if assertive, child, if you’re actually harboring one of next year’s mean girls of kindergarten? And what should I be doing to make sure that’s not the case? Should I treat Audrey gently and hope she picks up on the example—or be stern and tell her no clubs allowed? Should guilt over a friend’s feelings come into play, and if so, how can I stoke some more of it in a girl who’s convinced the problem is a mommy who just doesn’t understand how “Girl Club” works?

THE EMPATHY DEFICIT
Unlike teaching my 8-year-old son to organize his backpack or getting Audrey to clean up her room (ha!), teaching a child to be less self-centered can feel a little nebulous, something you might scratch off the parenting list only after a lifetime of patience-fueled interactions. But if kindness is all about daily practice, experts say there are specific and effective ways to create more caring kids—from targeting your praise to better managing your own negative emotions to embracing a bigger swath of your community. If that’s the good news, some less positive research points to how much we may need kindness interventions—and stat. Studies show that in the past decade or so, the selflessness we try to instill in our younger kids when we encourage them, for the hundredth time, to share isn’t necessarily sticking as they grow up. A 2010 study from the University of Michigan found that since the year 2000, college students have shown marked declines in empathy—a roughly 40-percent decline compared with students of 30 years ago. Then a few years later, a study by psychologists at Harvard’s School of Education focused on how kindness has slipped on school-age kids’ list of concerns. Surveying 10,000 middle and high school students, researcher Richard Weissbourd, Ph.D., and a colleague found that only 20 percent chose “caring for others” as their top priority, while 80 percent picked achievement or personal happiness as their goal.

Of the top two scorers, “personal happiness” might not be as innocuous as it sounds. It’s one thing for kids to follow their bliss but quite another to feel, as Weissbourd fears, that their personal well-being comes before everyone else’s. But what really worries him at the moment is the other top choice. “Achievement is really the winner here, in a bad way,” he says, noting that another finding in his survey offers a hint as to why that’s the case. Students were also three times more likely to say that their parents valued achievement as their top priority than they were to say their parents most valued caring.

As he tells it, it’s not so much that moms and dads are utterly checked out on the task of creating decent kids but that other pressures are getting in the way. “If you ask parents how important it is that my child is a good, kind, caring, and ethical person, they’re very likely to say it’s the most important thing,”he says. But things like “high-stakes testing”—and, it would seem, cold, hard economic realities—cause parents to worry about their kids’ futures in a way that can overshadow their deeper intentions. Says Weissbourd: “Our anxiety is drowning out the other message.”

GOING BEYOND “NICE”
When it comes to nurturing goodness, it helps to know exactly what you’re after from your child. Being affable and polite, for example, only takes things so far. “A lot of Harvard students are what you might call nice,”Weissbourd says, “but that doesn’t stop them from leaving their crap all over the hallways and cafeteria.” Real kindness, he says, hinges on a larger moral awareness that needs to be woven into your family’s identity so that something like making extra work for a janitor will register as wrong at your child’s core, just the way the world’s larger injustices do. Only then, he believes, do we have a chance at creating a generation of children who are at least sometimes able to put their own needs behind the needs of society—not to mention being willing to put down the iPad long enough to notice someone needs a hand.

But if teaching kids to“zoom out” to see the big picture is one important skill, “zooming in” to relate deeply to the person in front of them is equally important, Weissbourd says. Much of that empathic ability, research demonstrates, is developed well before kids reach preschool. Genetics show that about 25 percent of a child’s ability to feel others’ pain is likely to be inherited and that toddlers as young as 18 months can display their first altruistic tendencies. But while so much of this groundwork for kindness happens early, a growing body of social-emotional learning research shows that playing catch-up with things like empathy is possible, too. And this can be done not only for individual children but also in large-scale ways, through things like structured school programs.

In 1996, that idea was a tough sell, says Mary Gordon, the Toronto-based founder of one of the earliest and most-researched social learning programs, Roots of Empathy. At that time, she says, the neuroscience behind our ability to feel others’ emotions was in its infancy and empathy wasn’t in the water culturally like it is now, as schools look to grapple with problems like bullying.

Her program, now in place in schools in California, New Mexico, and Washington, D.C., among other U.S. and Canadian locations, helped change that. Independent university research into the yearlong courses has shown they boost pro-social behavior like sharing and helping others by up to 75 percent (compared to closely matched classes with no course offered.) Studies also show an 88 percent drop in aggressive behavior—something that actually increases when left unchecked in control classrooms.

The key to so much statistical magic? The irresistible, cooing pull of an infant. Gordon’s program centers on bringing in a baby, along with his or her mother and a trained instructor, and harnessing the child’s basic adorableness and neediness to jumpstart what she describes as an experiential course on reading and responding to others. While the children might start by lying down on a blanket with their heads positioned to see the world from the baby’s point of view, they work up to imagining that same 6-month-old one day facing some of their own social challenges. As Gordon explains, “If the baby captivates the kids, discussions along the lines of ‘How would that baby feel if someone told her she couldn’t play in kindergarten?’ really hit home.” The improvement in students’ ability to include others and overlook differences is the top rave Gordon hears from teachers.

CREATING KINDER KIDS
And that, of course, brings me back to, uh, Girl Club. When I bring it up with Gordon, she chuckles a bit and tells me that Audrey’s behavior is pretty typical. And my task, as she describes it, is not to drop the anvil of discipline so much as to tug on my daughter’s emotions. I was prepared to try when Audrey woke up the next morning and launched her plans again. She was going to need some new costumes, she informed me, for her new club. Beckett, along with, as she put it, “everyone at school” would be coming over. And that meant she needed a “Lego boy” costume, along with a “Wyld Style” option for her. “He’s going to be my backup,” she explained. “He’ll stick by my side until I need him, and then he’ll do spy stuff.” I’m counting this as progress, at least for now. “Wait until age 8,” Gordon had told me the day before. “That’s when full-fledged, card-carrying club-related behavior really rears its head.” In the meantime, she and other experts share tips on how to build kinder kids.

Parse the praise. The next time your child makes her bed or clears the table, Weissbourd suggests, try saying nothing about it. Setting higher expectations, says Weissbourd, is key to building better kids, and finishing chores should be a given. Instead, save compliments for when he or she does something more extraordinary, like helping you with your chores without being asked.

Refine the message. As Weissbourd’s Harvard study shows, the “power and frequency” of parental messages about kindness are key to having them taking hold in kids. Directly telling your son or daughter “It’s important to me that you are a kind and caring person” [not only] establishes a crucial expectation. Ideally, it helps make caring part of their identity. Studies show that age 8 is the sweet spot for this kind of message, since kids at this age are at a key point in forming their identities. For 3- to 6-year-olds, research shows that encouraging them to “be a helper” can be 25 percent more effective in instilling cooperative behavior than telling them simply “to help.”

Expand your child’s area of concern. Experts say it’s relatively easy for an 8-year-old to care about his friends and harder, perhaps, for him to care about people who are different or unfamiliar. So give your child opportunities to stretch himself: Have a younger child or the new student over, or volunteer at a soup kitchen together. Simply saying grace or finding another way to routinely express gratitude can also be important in getting kids to “zoom out” of their immediate experience. “When you appreciate what you have it helps you appreciate what others don’t have,” Weissbourd says.

Lower the temperature. Just as your child’s refusal to get dressed at 7:30 a.m. might be an obstacle to your being the kind parent you want to be, preschoolers’ anger or frustration will be a stumbling block on their way to being sweet and generous. Teaching them to calm down in heated moments is crucial to the kind of “frontal lobe” control traits like selflessness and
altruism require, says psychologist Karen Barrett. The next time a meltdown threatens to derail their better intentions, teach them to mindfully take 5 breaths before you address something like how their grabbing a toy might have made another child feel.

Check yourself. Similarly, your own control of uglier emotions is important as a model for your kids, says Mark Brackett, director of the Yale Center for Emotional Intelligence. So the next time you feel “triggered” into highly uncharitable behavior (morning drop-off anyone?), he says, take what he calls a “metamoment.” Imagine how either your “best self” or your parenting hero might handle the situation. Then proceed kindly.

Comments 2,160

  1. Hiya! I know this is kinda off topic nevertheless I’d figured I’d ask.
    Would you be interested in trading links or maybe guest authoring a blog
    article or vice-versa? My blog covers a lot of the same topics as yours and I think we could greatly benefit from each other.
    If you happen to be interested feel free to shoot me an email.
    I look forward to hearing from you! Fantastic blog
    by the way!

  2. I am really loving the theme/design of your weblog. Do
    you ever run into any browser compatibility issues?
    A couple of my blog readers have complained about my site not
    working correctly in Explorer but looks great in Firefox.

    Do you have any ideas to help fix this problem?

  3. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a
    comment is added I get several emails with the same comment.
    Is there any way you can remove people from that service?
    Many thanks!

  4. Ι saved interested bby our day, and how we
    weren’t capable of be together as а gaggle. Tһis
    examine attempts to ցroup 173 completely different domаins
    nameѕ derived from the literature below seven headings ass utilized bby the Compreһensive Quaⅼity of Lifee
    Scale (ComQol). Examining their self-reported attitudes towards which means, happiness, and lots ߋf other ѵariables — like stгresѕ ranges, sρending patterns, and having kids — over a month-lengthy interval, the researchers discoverrеd that
    a significant life and hɑppy life overlap in sure ways, however arre ultimatelу very different.
    At 3am,after i clpearly really fwel like crap. Then, at 3am, the same factolr happened!
    The odds arе that yoᥙ’re feeling thе same means in y᧐ur life.
    Though the reasons for emigration could also be compleyеly different,
    tһe mode of transport waas the identical ffor everyone. For
    example, if policyholder hhas extra youngsters, or remarries
    and instantly has extra dependents, he or she might resolve a bigger dying benefit is neceѕsary to help hіs or her survivors
    to keeр up their waү of life with ouut hiis or her income to depend on.

  5. Hey would you mind letting me know which web host you’re using?
    I’ve loaded youhr blog in 3 completely different internet browsers and I muhst say this
    blog loads a lot faster then most. Caan you suggest a good hosting provider at
    a honest price? Thanks, I appreciate it!
    Best air fryer 2019 homepage slow juicer

  6. Attractive portion of content. I simply stumbled upon your site and in accession capital to assert that I acquire
    in fact enjoyed account your weblog posts. Anyway I’ll be
    subscribing in your augment or even I achievement you get admission to consistently quickly.

  7. Thanks for some other informative website. Where else may I
    am getting that type of info written in such an ideal way?

    I’ve a mission that I am simply now running on, and I have been on the
    look out for such info.

  8. It’s nice to read an article like this, that shows the writer has common sense! You definitely made me think! TY-I wouldn’t have seen things this way otherwise. Gonna share this…

  9. Oh my goodness! Amazing article dude! Thank you so much,
    However I am having difficulties with your RSS. I don’t know the
    reason why I am unable to subscribe to it. Is there anyone else having the
    same RSS issues? Anybody who knows the answer can you kindly respond?
    Thanks!!

  10. It’s perfect time to make a few plans for the future and it is time to be happy.
    I have learn this publish and if I may I desire to suggest you some attention-grabbing things or suggestions.
    Maybe you can write subsequent articles regarding this article.
    I desire to learn more things about it!

  11. Aw, this is a really fantastic publish. Theoretically I’d like to compose like this likewise : having time period in addition to true energy to generate a beneficial post… nevertheless exactly what do My partner and i claim… I waste time a lot and do not seem to acquire something carried out.

  12. Hi just wanted to give you a quick heads up
    and let you know a few of the pictures aren’t loading correctly.
    I’m not sure why but I think its a linking issue. I’ve tried it in two different internet
    browsers and both show the same outcome.

  13. Taxi moto line
    128 Rue la Boétie
    75008 Paris
    +33 6 51 612 712  

    Taxi moto paris

    Hi there, just became aware of your blog through Google, and found that
    it is truly informative. I’m going to watch out for brussels.
    I’ll appreciate if you continue this in future. A lot of people will be benefited from your writing.
    Cheers!

  14. M.E.C Mon Electricien Catalan
    44 Rue Henry de Turenne
    66100 Perpignan
    0651212596

    Electricien Perpignan

    You really make it seem so easy with your
    presentation but I in finding this matter to be actually one
    thing which I believe I’d by no means understand.
    It seems too complicated and extremely huge for me. I
    am having a look ahead on your subsequent publish, I will
    attempt to get the grasp of it!

  15. I have been exploring for a bit for any high-quality articles or blog posts in this sort of house . Exploring in Yahoo I at last stumbled upon this website. Reading this information So i¡¦m satisfied to show that I have an incredibly good uncanny feeling I came upon exactly what I needed. I most for sure will make certain to do not forget this website and give it a look a continuing.

  16. I like the helpful info you provide in your articles. I’ll bookmark your weblog and check again here frequently. Im quite certain I will learn lots of new stuff right here! Best of luck for the next!

  17. Just about all I can point out is, I don’t know what to comment! Except certainly, for the wonderful tips which are shared with this blog. I will think of a million fun strategies to read the reports on this site. I’m sure I will at last make a move using your tips on those things I could never have been able to touch alone. You had been so innovative to let me be one of those to benefit from your useful information. Please know how much I am thankful.

  18. Hi there! Someone in my Myspace group shared this
    site with us so I came to look it over. I’m definitely loving the information. I’m bookmarking
    and will be tweeting this to my followers! Terrific blog and great style and design.

  19. An impressive share, I just given this onto a colleague who had previously been performing a small analysis for this. And the man the truth is bought me breakfast since I stumbled upon it for him.. smile. So i want to reword that: Thnx for your treat! But yeah Thnkx for spending time to talk about this, I am strongly over it and love reading read more about this topic. If possible, as you grow expertise, would you mind updating your blog post to comprehend details? It really is extremely helpful for me. Big thumb up just for this post!

  20. whoah this blog is great i love studying your posts. Stay
    up the good work! You already know, lots of individuals are searching round for this information, you can aid them greatly.

  21. I’m really impressed along with your writing talents as neatly as with
    the format in your weblog. Is this a paid topic or did you customize it yourself?
    Either way keep up the excellent quality writing, it’s rare to see a nice blog
    like this one these days..

  22. Wonderful beat ! I would like to apprentice while you amend your website, how can i subscribe for a blog website? The account aided me a acceptable deal. I had been a little bit acquainted of this your broadcast offered bright clear idea

  23. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is fundamental and all. But think of if you added some great visuals or videos to give your posts more, “pop”! Your content is excellent but with pics and clips, this blog could undeniably be one of the best in its niche. Very good blog!

  24. Everything said made a bunch of sense. However, what about this?
    what if you were to write a awesome title?

    I mean, I don’t want to tell you how to run your website, however what if
    you added a title that grabbed a person’s attention? I mean The Kindness Quotient
    – KIWI Magazine is kinda vanilla. You could look at
    Yahoo’s front page and watch how they create post headlines to get viewers interested.
    You might add a related video or a picture or two to grab people interested about
    what you’ve got to say. Just my opinion, it might
    make your posts a little bit more interesting.

  25. certainly like your website however you have to take a look at the spelling on several of your posts.
    A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I’ll certainly come back again.

  26. Hi there! I know this is kinda off topic but
    I was wondering if you knew where I could find a captcha
    plugin for my comment form? I’m using the same blog platform as yours and I’m having problems
    finding one? Thanks a lot!

  27. You are so cool! I don’t suppose I’ve truly read anything like that before.
    So wonderful to discover someone with original thoughts on this topic.

    Really.. thanks for starting this up. This website is one thing that is needed on the
    internet, someone with a bit of originality!

  28. Hey there! This is my first comment here so I just
    wanted to give a quick shout out and tell you I truly enjoy
    reading your blog posts. Can you suggest any other blogs/websites/forums
    that deal with the same subjects? Thanks a ton!

  29. Great beat ! I would like to apprentice while you amend
    your web site, how can i subscribe for a blog web site? The account helped me a acceptable deal.
    I had been a little bit acquainted of this your broadcast provided bright
    clear concept

  30. Hi there! I know this is kinda off topic however I’d figured
    I’d ask. Would you be interested in exchanging links or maybe guest authoring a
    blog post or vice-versa? My blog addresses a lot of the same topics as yours and I think we could greatly benefit from each other.
    If you are interested feel free to send me an email.
    I look forward to hearing from you! Excellent blog by the way!

  31. Hello, I do believe your blog could be having internet browser compatibility issues.

    When I look at your site in Safari, it looks fine but when opening
    in Internet Explorer, it has some overlapping issues.
    I just wanted to give you a quick heads up! Aside from that, great website!

  32. I absolutely love your blog and find most of your post’s to be what precisely I’m
    looking for. Do you offer guest writers to write content for you personally?
    I wouldn’t mind composing a post or elaborating on a few of the subjects you write about here.
    Again, awesome weblog!

  33. When I initially commented I clicked the “Notify me when new comments are added” checkbox and
    now each time a comment is added I get several emails with the same comment.

    Is there any way you can remove me from that service?
    Thank you!

  34. When I initially left a comment I seem to have clicked on the -Notify
    me when new comments are added- checkbox and from
    now on every time a comment is added I get 4 emails with the exact same comment.
    Perhaps there is an easy method you are able to remove
    me from that service? Kudos!

  35. Heya are using WordPress for your blog platform?
    I’m new to the blog world but I’m trying to get started and set up my own. Do you require any html coding knowledge to make
    your own blog? Any help would be greatly appreciated!

  36. Hello, Neat post. There is an issue along with your web site in web explorer, would check this?
    IE nonetheless is the marketplace chief and a large section of people will
    pass over your fantastic writing because of this problem.

  37. First off I would like to say awesome blog!
    I had a quick question that I’d like to ask if you do
    not mind. I was curious to know how you center yourself and clear your mind prior to writing.
    I have had a difficult time clearing my thoughts in getting my thoughts out.

    I truly do take pleasure in writing but it just seems like
    the first 10 to 15 minutes are generally lost just trying to figure
    out how to begin. Any suggestions or hints? Appreciate it!

  38. Thanks for any other informative web site.
    Where else may just I get that kind of information written in such an ideal way?
    I have a challenge that I am simply now working on, and I’ve
    been on the glance out for such information.

  39. You really ensure it is seem so easy together with your
    presentation nevertheless i find this matter to become actually something that I think I would personally never understand.
    It seems like too complex and extremely broad to me.
    I’m looking forward for your upcoming post, I’ll
    try to find the hang of this!

    Feel free to visit my web page – EveliaNIdema

  40. Wow, fantastic blog structure! How long have you
    been running a blog for? you made blogging look easy.
    The total look of your website is wonderful, as smartly as the content material!

  41. My brother recommended I might like this web site. He used to
    be totally right. This publish truly made my day. You can not consider just how a lot
    time I had spent for this information! Thank you!

  42. Hi there this is somewhat of off topic but I was wanting to know
    if blogs use WYSIWYG editors or if you have to manually code with HTML.
    I’m starting a blog soon but have no coding knowledge so I wanted to get advice from someone with experience.
    Any help would be greatly appreciated!

  43. Hello, i believe that i noticed you visited my weblog
    so i got here to return the favor?.I’m trying to to find issues to
    improve my web site!I suppose its good enough to make use of a few of your concepts!!

  44. Have you ever considered publishing an e-book or guest authoring on other blogs?
    I have a blog centered on the same topics you discuss and would love to have you share some stories/information. I know my subscribers would enjoy your work.
    If you’re even remotely interested, feel free to shoot
    me an email.

  45. I just couldn’t leave your site prior to suggesting that I extremely loved the standard information a person provide for your visitors?
    Is going to be back steadily to check out new posts

  46. Hmm it seems like your website ate my first comment (it was extremely
    long) so I guess I’ll just sum it up what I wrote and say,
    I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still
    new to everything. Do you have any tips and hints for beginner blog writers?

    I’d really appreciate it.

  47. You made some really good points there. I looked on the net to
    find out more about the issue and found most people will go along with your
    views on this site.

  48. Do you mind if I quote a couple of your articles as long as I provide credit and
    sources back to your weblog? My website is in the exact same area of interest as
    yours and my visitors would really benefit from a lot of the information you provide here.

    Please let me know if this alright with you. Appreciate it!

  49. Someone necessarily assist to make severely posts I might state.

    That is the very first time I frequented your web page and to this point?

    I amazed with the research you made to create this actual publish
    amazing. Excellent process!

  50. This design is wicked! You obviously knoow how to keep a reader entertained.
    Between your wit and your videos, I wass almost moved
    to start my own blog (well, almost…HaHa!) Wonderful job.
    I really loved what you had to say, annd more than that,
    how you presented it. Too cool!

    My website :: Cashberry.Vn

  51. After I originally commented I appear to have clicked on the -Notify
    me when new comments are added- checkbox and from now on each time a comment is added I
    get four emails with the exact same comment. Is there an easy method you are able to remove me from that service?
    Appreciate it!

  52. I wish to thank you for the efforts you’ve devote scripting this blog.
    I’m hoping to view exactly the same high-grade content from you later on at the same time.
    In reality, your creative writing abilities has inspired me to acquire my very own site now 😉

    my homepage … NealUNamanny

  53. Hello, i read your blog from time to time and i own a similar one and i was just wondering if you get a
    lot of spam remarks? If so how do you stop it,
    any plugin or anything you can advise? I get so much
    lately it’s driving me crazy so any assistance is very much appreciated.

  54. {loans|loan|loans|payday loans|personal loans|payday loan|loans online|payday lending|loans for bad credit|personal loan|cash advance|loans no credit|loans no credit check|credit loans|payday loans online|bad credit loans|installment loans|payday loans no credit|payday loans no credit check|online loans|online payday|loan application|loans guaranteed approval|money fast|loan payday|cash loans|web loan|bad credit loans guaranteed approval|online payday loans|payday advance|personal loans for bad credit|loan online|loans instant approval|credit loans guaranteed approval|advance cash|simple loan|loans with bad credit|quick loans|pay day|loans bad credit|loan interest rates|cash payday|loans with no credit|personal loans online|payday loans near me|loans for poor credit|no credit check loans|loans personal|advance loans|loans with no credit check|loan with bad credit|short term loans|loans direct|payday loans instant|direct loans|pay day loans|payday loans instant approval|online loans no credit check|online loans no credit|loans online instant approval|loans direct lenders|cash advance loans|small loans|unsecured personal loans|best personal loans|cash now|online loans instant approval|personal loans for debt consolidation|loans for people with bad credit|money lenders|credit personal loans|payday loans direct|payday cash|unsecured loans|consolidation loans for bad credit|bad credit personal loans|installment loans for bad credit|debt consolidation loan|get a loan|payday lenders|payday loans direct lenders|cash payday loans|fast loans|advance payday|no credit check payday loans|cash advance online|best debt consolidation loans|fast payday|online payday loan|a loan with bad credit|paydayloans|direct loan|bad credit loan|online loan|same day payday loans|no credit check payday loans instant approval|need a loan|advance loan|installment loan|loan for bad credit|debt consolidation loans for bad credit|personal loans bad credit|fast loan|personal loans with bad credit|loans for women|loan lenders|instant payday|personal lending|poor credit loans|same day loans|payday cash advance|need money now|payday loans no credit check same day|bad credit payday|loan no credit|loan bad credit|same day payday loans no credit check|installment loans no credit|a payday loan|online payday loans instant approval|payday loan online|cash payday loans online|personal loans for people with bad credit|no fax payday loan|loan no credit check|quick money|easy payday|pay day loan|quick cash loans|direct lending|emergency loans|lenders for bad credit|advance payday loan|fast cash loans|easy loans|loan money|best personal loan|secured loans|payday loan lenders|low interest personal loans|cash advance payday loan|loans with low interest|cash loans online|loans with low interest rates|installment loans online|online installment loans|bad credit installment loans|installment loans no credit check|cash loan payday|cash payday loan|loans online no credit check|small personal loans|fast cash advance|payday advances|low interest loans|advance cash loan|i need a loan|cash loans no credit check|cash loans no credit|faxless payday loans|bad credit payday loans|online loans for bad credit|quick loans online|loan application online|payday advance loan|quick loans no credit|quick loans no credit check|payday loans online no credit check|secured loan|payday loans for bad credit|borrow money|short term loans no credit check|direct lender installment loans|no fax payday loans|personal loans for poor credit|personal loans with low interest rates|personal loans with low interest|personal loan bad credit|online cash advance|loans payday|private lenders|best loan|faxless payday loan|best loans|fast payday loans|best payday loans|online personal loans|cash advances|instant payday loans|quick loans for bad credit|express loans|unsecured loan|online payday loans no credit check|money loan|payday loans bad credit|easy payday loan|payday lender|i need money now|fast payday loan|quick loan|cash loans for bad credit|money loans no credit check|get loan|private loans|payday loans no faxing|need cash now|cheap personal loans|guaranteed loans|small loans for bad credit|express loan|money payday loans|easy loans no credit check|short term loans for bad credit|short term loan|direct lender payday|payday advance loans|loan cash|online loans bad credit|private money lenders|apply for a loan|cash advance usa|easy loan|direct payday lenders|loans unsecured|no faxing payday loan|get cash now|loan fast|personal loans no credit|loans for fair credit|payday loan direct|get a personal loan|direct lenders for bad credit|loans with poor credit|payday loan no fax|fast cash advance payday loan|best online loans|personal loans no credit check|direct lender payday loans|guaranteed loan|easy payday loans|advance payday loans|guaranteed payday loans|personal loan for bad credit|personal loans low interest|personal loan no credit check|need money fast|bad credit personal loans guaranteed approval|best online loans instant approval|personal loans guaranteed approval|cash fast loan|installment loans direct lenders|personal loans unsecured|personal loans low interest rates|500 fast cash|need a loan with bad credit|no credit loans|5000 personal loan|unsecured loans for bad credit|pay day loans near me|cash lenders|easy money payday loans|online payday loans direct lenders|quick payday loans|loan service|loan site|online loan application|payday loan no faxing|small personal loans with bad credit|get a loan with bad credit|payday loan cash advance|emergency loans no credit check|emergency loan|instant payday loan|personal loan interest rates|payday advance online|payday loan direct lender|private loan|money fast online|guaranteed payday loan|payday loan fast|fast cash payday loan|quick cash loans no credit check|money quick|loans fast|bad credit installment loans guaranteed|installment loans guaranteed|loan today|unsecured personal loan|best loans for bad credit|1000 loan|online loans bad credit instant approval|fast loans no credit|fast loans no credit check|small loan|money lender|loans online direct|payday loans no fax|poor credit loans guaranteed approval|best payday loans online|direct payday loan|bad credit payday loan|bad credit quick loans|apply for loan|loans without credit|cash advance loan|instant loans online|payday loans direct lender|specialized loan services|express cash advance|online payday advance|payday express|best payday loan|direct payday loan lenders|payday loans direct lenders only|bad credit loans direct lenders|internet payday loans|loan express|hassle free payday loans|loan|loans|payday loans|personal loans|payday loan|loans online|payday lending|loans for bad credit|personal loan|cash advance|loans no credit|loans no credit check|credit loans|payday loans online|bad credit loans|installment loans|payday loans no credit|payday loans no credit check|online loans|online payday|loan application|loans guaranteed approval|money fast|loan payday|cash loans|web loan|bad credit loans guaranteed approval|online payday loans|payday advance|personal loans for bad credit|loan online|loans instant approval|credit loans guaranteed approval|advance cash|simple loan|loans with bad credit|quick loans|pay day|loans bad credit|loan interest rates|cash payday|loans with no credit|personal loans online|payday loans near me|loans for poor credit|no credit check loans|loans personal|advance loans|loans with no credit check|loan with bad credit|short term loans|loans direct|payday loans instant|direct loans|pay day loans|payday loans instant approval|online loans no credit check|online loans no credit|loans online instant approval|loans direct lenders|cash advance loans|small loans|unsecured personal loans|best personal loans|cash now|online loans instant approval|personal loans for debt consolidation|loans for people with bad credit|money lenders|credit personal loans|payday loans direct|payday cash|unsecured loans|consolidation loans for bad credit|bad credit personal loans|installment loans for bad credit|debt consolidation loan|get a loan|payday lenders|payday loans direct lenders|cash payday loans|fast loans|advance payday|no credit check payday loans|cash advance online|best debt consolidation loans|fast payday|online payday loan|a loan with bad credit|paydayloans|direct loan|bad credit loan|online loan|same day payday loans|no credit check payday loans instant approval|need a loan|advance loan|installment loan|loan for bad credit|debt consolidation loans for bad credit|personal loans bad credit|fast loan|personal loans with bad credit|loans for women|loan lenders|instant payday|personal lending|poor credit loans|same day loans|payday cash advance|need money now|payday loans no credit check same day|bad credit payday|loan no credit|loan bad credit|same day payday loans no credit check|installment loans no credit|a payday loan|online payday loans instant approval|payday loan online|cash payday loans online|personal loans for people with bad credit|no fax payday loan|loan no credit check|quick money|easy payday|pay day loan|quick cash loans|direct lending|emergency loans|lenders for bad credit|advance payday loan|fast cash loans|easy loans|loan money|best personal loan|secured loans|payday loan lenders|low interest personal loans|cash advance payday loan|loans with low interest|cash loans online|loans with low interest rates|installment loans online|online installment loans|bad credit installment loans|installment loans no credit check|cash loan payday|cash payday loan|loans online no credit check|small personal loans|fast cash advance|payday advances|low interest loans|advance cash loan|i need a loan|cash loans no credit check|cash loans no credit|faxless payday loans|bad credit payday loans|online loans for bad credit|quick loans online|loan application online|payday advance loan|quick loans no credit|quick loans no credit check|payday loans online no credit check|secured loan|payday loans for bad credit|borrow money|short term loans no credit check|direct lender installment loans|no fax payday loans|personal loans for poor credit|personal loans with low interest rates|personal loans with low interest|personal loan bad credit|online cash advance|loans payday|private lenders|best loan|faxless payday loan|best loans|fast payday loans|best payday loans|online personal loans|cash advances|instant payday loans|quick loans for bad credit|express loans|unsecured loan|online payday loans no credit check|money loan|payday loans bad credit|easy payday loan|payday lender|i need money now|fast payday loan|quick loan|cash loans for bad credit|money loans no credit check|get loan|private loans|payday loans no faxing|need cash now|cheap personal loans|guaranteed loans|small loans for bad credit|express loan|money payday loans|easy loans no credit check|short term loans for bad credit|short term loan|direct lender payday|payday advance loans|loan cash|online loans bad credit|private money lenders|apply for a loan|cash advance usa|easy loan|direct payday lenders|loans unsecured|no faxing payday loan|get cash now|loan fast|personal loans no credit|loans for fair credit|payday loan direct|get a personal loan|direct lenders for bad credit|loans with poor credit|payday loan no fax|fast cash advance payday loan|best online loans|personal loans no credit check|direct lender payday loans|guaranteed loan|easy payday loans|advance payday loans|guaranteed payday loans|personal loan for bad credit|personal loans low interest|personal loan no credit check|need money fast|bad credit personal loans guaranteed approval|best online loans instant approval|personal loans guaranteed approval|cash fast loan|installment loans direct lenders|personal loans unsecured|personal loans low interest rates|500 fast cash|need a loan with bad credit|no credit loans|5000 personal loan|unsecured loans for bad credit|pay day loans near me|cash lenders|easy money payday loans|online payday loans direct lenders|quick payday loans|loan service|loan site|online loan application|payday loan no faxing|small personal loans with bad credit|get a loan with bad credit|payday loan cash advance|emergency loans no credit check|emergency loan|instant payday loan|personal loan interest rates|payday advance online|payday loan direct lender|private loan|money fast online|guaranteed payday loan|payday loan fast|fast cash payday loan|quick cash loans no credit check|money quick|loans fast|bad credit installment loans guaranteed|installment loans guaranteed|loan today|unsecured personal loan|best loans for bad credit|1000 loan|online loans bad credit instant approval|fast loans no credit|fast loans no credit check|small loan|money lender|loans online direct|payday loans no fax|poor credit loans guaranteed approval|best payday loans online|direct payday loan|bad credit payday loan|bad credit quick loans|apply for loan|loans without credit|cash advance loan|instant loans online|payday loans direct lender|specialized loan services|express cash advance|online payday advance|payday express|best payday loan|direct payday loan lenders|payday loans direct lenders only|bad credit loans direct lenders|internet payday loans|loan express|hassle free payday loans|loan|loans|payday loans|personal loans|payday loan|loans online|payday lending|loans for bad credit|personal loan|cash advance|loans no credit|loans no credit check|credit loans|payday loans online|bad credit loans|installment loans|payday loans no credit|payday loans no credit check|online loans|online payday|loan application|loans guaranteed approval|money fast|loan payday|cash loans|web loan|bad credit loans guaranteed approval|online payday loans|payday advance|personal loans for bad credit|loan online|loans instant approval|credit loans guaranteed approval|advance cash|simple loan|loans with bad credit|quick loans|pay day|loans bad credit|loan interest rates|cash payday|loans with no credit|personal loans online|payday loans near me|loans for poor credit|no credit check loans|loans personal|advance loans|loans with no credit check|loan with bad credit|short term loans|loans direct|payday loans instant|direct loans|pay day loans|payday loans instant approval|online loans no credit check|online loans no credit|loans online instant approval|loans direct lenders|cash advance loans|small loans|unsecured personal loans|best personal loans|cash now|online loans instant approval|personal loans for debt consolidation|loans for people with bad credit|money lenders|credit personal loans|payday loans direct|payday cash|unsecured loans|consolidation loans for bad credit|bad credit personal loans|installment loans for bad credit|debt consolidation loan|get a loan|payday lenders|payday loans direct lenders|cash payday loans|fast loans|advance payday|no credit check payday loans|cash advance online|best debt consolidation loans|fast payday|online payday loan|a loan with bad credit|paydayloans|direct loan|bad credit loan|online loan|same day payday loans|no credit check payday loans instant approval|need a loan|advance loan|installment loan|loan for bad credit|debt consolidation loans for bad credit|personal loans bad credit|fast loan|personal loans with bad credit|loans for women|loan lenders|instant payday|personal lending|poor credit loans|same day loans|payday cash advance|need money now|payday loans no credit check same day|bad credit payday|loan no credit|loan bad credit|same day payday loans no credit check|installment loans no credit|a payday loan|online payday loans instant approval|payday loan online|cash payday loans online|personal loans for people with bad credit|no fax payday loan|loan no credit check|quick money|easy payday|pay day loan|quick cash loans|direct lending|emergency loans|lenders for bad credit|advance payday loan|fast cash loans|easy loans|loan money|best personal loan|secured loans|payday loan lenders|low interest personal loans|cash advance payday loan|loans with low interest|cash loans online|loans with low interest rates|installment loans online|online installment loans|bad credit installment loans|installment loans no credit check|cash loan payday|cash payday loan|loans online no credit check|small personal loans|fast cash advance|payday advances|low interest loans|advance cash loan|i need a loan|cash loans no credit check|cash loans no credit|faxless payday loans|bad credit payday loans|online loans for bad credit|quick loans online|loan application online|payday advance loan|quick loans no credit|quick loans no credit check|payday loans online no credit check|secured loan|payday loans for bad credit|borrow money|short term loans no credit check|direct lender installment loans|no fax payday loans|personal loans for poor credit|personal loans with low interest rates|personal loans with low interest|personal loan bad credit|online cash advance|loans payday|private lenders|best loan|faxless payday loan|best loans|fast payday loans|best payday loans|online personal loans|cash advances|instant payday loans|quick loans for bad credit|express loans|unsecured loan|online payday loans no credit check|money loan|payday loans bad credit|easy payday loan|payday lender|i need money now|fast payday loan|quick loan|cash loans for bad credit|money loans no credit check|get loan|private loans|payday loans no faxing|need cash now|cheap personal loans|guaranteed loans|small loans for bad credit|express loan|money payday loans|easy loans no credit check|short term loans for bad credit|short term loan|direct lender payday|payday advance loans|loan cash|online loans bad credit|private money lenders|apply for a loan|cash advance usa|easy loan|direct payday lenders|loans unsecured|no faxing payday loan|get cash now|loan fast|personal loans no credit|loans for fair credit|payday loan direct|get a personal loan|direct lenders for bad credit|loans with poor credit|payday loan no fax|fast cash advance payday loan|best online loans|personal loans no credit check|direct lender payday loans|guaranteed loan|easy payday loans|advance payday loans|guaranteed payday loans|personal loan for bad credit|personal loans low interest|personal loan no credit check|need money fast|bad credit personal loans guaranteed approval|best online loans instant approval|personal loans guaranteed approval|cash fast loan|installment loans direct lenders|personal loans unsecured|personal loans low interest rates|500 fast cash|need a loan with bad credit|no credit loans|5000 personal loan|unsecured loans for bad credit|pay day loans near me|cash lenders|easy money payday loans|online payday loans direct lenders|quick payday loans|loan service|loan site|online loan application|payday loan no faxing|small personal loans with bad credit|get a loan with bad credit|payday loan cash advance|emergency loans no credit check|emergency loan|instant payday loan|personal loan interest rates|payday advance online|payday loan direct lender|private loan|money fast online|guaranteed payday loan|payday loan fast|fast cash payday loan|quick cash loans no credit check|money quick|loans fast|bad credit installment loans guaranteed|installment loans guaranteed|loan today|unsecured personal loan|best loans for bad credit|1000 loan|online loans bad credit instant approval|fast loans no credit|fast loans no credit check|small loan|money lender|loans online direct|payday loans no fax|poor credit loans guaranteed approval|best payday loans online|direct payday loan|bad credit payday loan|bad credit quick loans|apply for loan|loans without credit|cash advance loan|instant loans online|payday loans direct lender|specialized loan services|express cash advance|online payday advance|payday express|best payday loan|direct payday loan lenders|payday loans direct lenders only|bad credit loans direct lenders|internet payday loans|loan express|hassle free payday loans|near me|finance|mortgage|loan|loans|advance|cash|personal|fast|the best|lending|apply for|payday|bad credit|payday loans|home loans|car loan|personal loans|consolidation|speedy|loans login|refinance|long term|credit check|best credit|no credit|debt consolidation|debt relief|money online|no credit check|apply online|checking account|payday loan|lendingtree|short term|loans online|payday lending|loans for bad credit|loan rates|home loan|loan payment|speedy cash|personal loan|cash advance|installment|consolidation loans|online cash|lending tree|loans no credit|loans no credit check|quicken loans login|same day|home equity loan|ace cash|cash express|quick easy|credit loans|lenders|payday loans online|ace cash express|auto loans|debt consolidation loans|fair credit|bad credit loans|payday loans no|check into cash|loan requirements|car loans|installment loans|unsecured|va loan|payday loans no credit|poor credit|guaranteed approval|payday loans no credit check|title loans|online loans|lender|online payday|home equity loans|loan application|loans guaranteed approval|discover personal loans|money fast|loan payday|cash loans|loan interest|quicken loans arena|bayview loan servicing|prosper loans|fha loans|spotloan|loans guaranteed|small business loans|loan services|web loan|debt consolidation programs|american web loan|loans near me|bad credit loans guaranteed approval|avant loans|loan payoff|online payday loans|loan repayment|va home loan|payday advance|va loans|loan consolidation|business loan|bad credit loans guaranteed|personal loans for bad credit|green loans|plain green loans|loan online|sba loans|loans instant|people with bad credit|loans instant approval|credit loans guaranteed approval|advance cash|discover loans|loans with monthly payments|simple loan|fast cash|loans for people|loans with bad credit|direct lenders|unsubsidized loan|usda loans|apply for credit|rise loans|military loans|usda loan|wells fargo loan|great lakes loans|loan companies|quick loans|elastic loans|money now|loan center|quickenloans|pay day|sba loan|credit online|america cash advance|advance america cash advance|perkins loan|loans bad credit|loan interest rates|advance online|cash payday|term loans|va home loans|debt relief programs|quick cash|loans with no credit|debt relief reviews|fast money|personal loans online|payday loans near me|loans for poor credit|check loans|bank loans|car title loans|credit check loans|cash loan|no credit check loans|loans personal|need money|easy money|advance loans|money mutual|loans with no credit check|loans for debt consolidation|loan with bad credit|title loans near me|loan refinance|short term loans|loanme|money loans|unsecured credit|how to get money|online money|consolidation loan|loans direct|payday loans instant|direct loans|loans without cosigner|check payday|pay day loans|payday loans instant approval|spot loan|online loans no credit check|online loans no credit|credit loan|speedycash|direct lender|loans rates|loans online instant approval|loans direct lenders|loan debt|cash advance loans|small loans|bad credit car loans|unsecured personal loans|best personal loans|cash online|cash now|online loans instant|online loans instant approval|best debt consolidation|personal loans for debt consolidation|loan rates today|bank loan|loans for people with bad credit|conforming loan|no credit check payday|money lenders|loan company|dollar loan|best student loans|loans gov|student loan debt|credit check payday|credit personal loans|payday loans direct|ez money|payday cash|lending tree loan|lendingtree personal loans|unsecured loans|consolidation loans for bad credit|bad credit personal loans|rapid cash|loan source|installment payment|loan payments|credit check payday loans|installment loans for bad credit|personal loan rates|debt consolidation loan|get a loan|commercial loan|debt consolidation companies|title loan|payday lenders|payday loans direct lenders|cash payday loans|fast loans|advance payday|loan interest rate|no credit check payday loans|i need money|cash advance online|lion loans|marcus loans|wells fargo student loan|inbox loan|best debt consolidation loans|same day payday|loan me|cash advance america|fast payday|online payday loan|a loan with bad credit|teacher loan|paydayloans|hard money lenders|interest on a loan|signature loans|direct loan|bad credit loan|online loan|loan refinancing|sun loan|same day payday loans|no credit check payday loans instant approval|loans online instant|cornerstone loans|greenline loans|need a loan|bad credit auto loans|interest loan|stafford loans|advance loan|installment loan|school loans|loan for bad credit|debt consolidation loans for bad credit|lendingtree loans|personal loans bad credit|car loans for bad credit|mobile loans|land loans|student loan refinancing|fast loan|personal loans with bad credit|loans for women|loan lenders|instant payday|personal lending|loans for bad credit guaranteed|poor credit loans|pioneer loans|awl loans|same day loans|payday cash advance|americash loans|need money now|simple interest loan|quicken loans careers|payday loans no credit check same day|fax payday loan|title loans online|cash advance payday|online loans no credit check instant deposit|get money fast|bad credit payday|loan no credit|cash fast|consolidate student loans|loans for startups|business loans for startups|loan bad credit|same day payday loans no credit check|eagle loan|installment loans no credit|a payday loan|online payday loans instant approval|payday loan online|cash payday loans online|personal loans for people with bad credit|no fax payday loan|loan no credit check|hard money loans|quick money|easy payday|online payday loans instant|pay day loan|loans for students|home loans for bad credit|loans for bad credit with monthly payments|quick cash loans|direct lending|emergency loans|personal loans apply|lenders for bad credit|advance payday loan|wells fargo loans|how to get money fast|fast cash loans|bad credit home loans|easy loans|credit card debt relief|loans apply|personal lending group|online loans with monthly payments|loan repayment program|direct payday|loan money|loans personal loans|loan agent|how to get a loan|best personal loan|secured loans|payday loan lenders|low interest personal loans|cash advance payday loan|loans with low interest|instant loan|speedy cash payday loans online|cash loans online|loans with low interest rates|installment loans online|tribal loans|online installment loans|bad credit installment loans|installment loans no credit check|cash loan payday|cash payday loan|small loans with monthly payments|loan estimate|quick payday|cashusa|loans online no credit check|small personal loans|get cash|loans online no credit|loan places|accredited debt relief|fast cash advance|free loan|paydayloan|compare personal loans|rehab loan|need cash|credit card consolidation loans|payday advances|low interest loans|advance cash loan|i need a loan|cash loans no credit check|cash loans no credit|loans offer|faxless payday loans|no credit check loans with monthly payments|bad credit payday loans|online loans for bad credit|quick loans online|loan application online|payday advance loan|quick loans no credit|quick loans no credit check|payday loans online no credit check|secured loan|loans for homes|payday loans for bad credit|payday loan companies|borrow money|short term loans no credit check|direct lender installment loans|loan direct|bad credit loans with monthly payments|no fax payday loans|personal loans for poor credit|loan store|personal loans with low interest rates|personal loans with low interest|personal loan bad credit|online cash advance|loans payday|installment loans with monthly payments|private lenders|bill consolidation loans|best loan|faxless payday loan|best loans|fast payday loans|best payday loans|online personal loans|cash advances|instant payday loans|quick loans for bad credit|express loans|unsecured loan|online payday loans no credit check|parent loan|money loan|payday loans bad credit|easy payday loan|best debt consolidation companies|payday lender|i need money now|loan companies for bad credit|loan consolidation companies|fast payday loan|instant loans|quick loan|cash loans for bad credit|money loans no credit check|money loans no credit|get loan|signature loan|how to get a loan with bad credit|debt consolidation help|residential loan application|private loans|payday loans no faxing|need cash now|payment installment agreement|commercial loans|best personal loan rates|loan place|cheap personal loans|loan places near me|guaranteed loans|small loans for bad credit|credit card debt consolidation|express loan|commercial loan rates|money payday loans|easy loans no credit check|short term loans for bad credit|short term loan|direct lender payday|small business loans for women|payday advance loans|loan cash|online loans bad credit|private money lenders|apply for a loan|best debt consolidation loans approved by bbb|bad credit no money down|cash advance usa|america loan|easy loan|direct payday lenders|cash express loans|debt relief companies|loans unsecured|christmas loans|no faxing payday loan|get cash now|loan fast|5000 loan|personal loans no credit|simple loan payment|loans for fair credit|short term loans no credit|payday loan direct|get a personal loan|loan estimator|direct lenders for bad credit|loans with poor credit|payday loan no fax|fast cash advance payday loan|holiday loans|direct loan program|payday loans online no credit|best online loans|check advance|personal loan companies|personal loans no credit check|direct lender payday loans|first cash advance|guaranteed loan|cash store loans|easy payday loans|advance payday loans|loans student|guaranteed payday loans|bank personal loans|personal loan for bad credit|personal loan interest|signature loans no credit check|personal loans low interest|debt consolidation advice|installment loans no turndowns|best loan companies|free payday loans|personal loans reviews|installment loan calculator|personal loan no credit check|personal loan no credit|need money fast|bad credit personal loans guaran